(Update) Chase Increases Referral Bonus On INK Business Cards To 40,000 Points (200,000 Annual Limit)

Update 3/16/23: There are some reports (1, and another on reddit I can no longer find) of Chase matching the referral portion of the bonus (from 20,000 to 40,000).

Update 3/11/23: We mentioned conflicting reports about whether you can apply for the 75k/40k and get matched. We’ve now seen many other reports of success with the match, and FM reports hearing numerous reports that way as well. And so until the public offer ends on March 21st you’ll probably be able to apply with the 75k/40k offer and then get the 15k bonus bump on top. (Getting the bump should not affect the referrer 40k bonus.) A whopping 130,000 points bonus for those in 2-player mode. YMMV. You’ll want to have the match phone/SM conversation before March 21st; once the public offer changes I’m not sure if the reps will be willing to match.

Update 3/8/23: Based on reader reports:

  • Chase will not match the 40k bonus for those who recently referred using the old 20,000 link. Source
  • Conflicting reports on whether Chase will match the 90,000 signup bonus if you refer a friend with the new 40k/75k bonus structure. Won’t match report | Did match report, another match report
  • I still don’t know what happens if you use an old 20k referral link after March 6th when the 40k offer came into effect. Will you get 40k or 20k?

Original Post 3/6/23:

Chase has increased the referrer bonus on the INK line of cards from 20,000 points too 40,000 points. The annual max has also increased from 100,000 to 200,000; total of 5 referrals possible. The 40,000 referral offer is on all four versions of the INK business cards, including Cash, Unlimited, Preferred, and Premier.

INK Referrals | Marriott Referrals

The INK offer used to be 20,000/100,000 until now, and I believe the Marriott bump to 40,000 is also new. This new double bonus makes a more enticing case for those in 2-player mode.

As always, be sure to check what the signup bonus is before using a referral link since it can sometimes be better to apply directly.

In the case of the INK cards, through March 21st you can get 90,000 points when applying for either of the no-fee INK cards. The new referral links are showing a lower 75k bonus. Referral links generated earlier are still showing the 90,000 offer.

I don’t know if those previously-generated referral links will get the 40k referrer bonus or the 20k referrer bonus. In this case, it might make sense for someone in 2-player mode to signup for the new lower offer and get the higher referrer bonus. Just keep in mind you might get a 1099 on referrer earnings whereas on a signup bonus you won’t.

Readers note that it might be possible to apply using the new 40k link and then message Chase to ask for a match on the 90,000 bonus. I’d guess that will work (through March 21).

You can see all Chase referral offers at this link; I believe the rest are the same referral bonuses as prior. No referrals in the comments below.

Hat tip to readers Archer and Daniel

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Matthew
Matthew (@guest_1609366)
May 1, 2023 11:51

I received a targeted email for 750 after 6000 spend – but I’m over 5/24. I checked the app/website, it does not appear in my “just for you”. Does anyone know if this overrides the 5/24 status?

Dixieboz
Dixieboz (@guest_1605491)
April 24, 2023 22:10

Is the referral bonus still alive? I never saw that bonus listed here. I am referring to the one that is 75k for Ink Unlimited and 40k referral bonus. Thank you!

Charlotte
Charlotte (@guest_1605508)
April 24, 2023 22:29

Yes it is still active.

SG
SG (@guest_1596958)
April 13, 2023 15:35

I’m not having any luck getting the referral bonus matched to 40k points (I received 20k). Anyone know a good approach for this?

Otto
Otto (@guest_1596960)
April 13, 2023 15:37
  SG

I haven’t seen anyone able to do this. Only seen people getting the 75k SUB bumped up to 90k when using the 40k referral to begin with.

Original Jack
Original Jack (@guest_1597114)
April 13, 2023 20:18
  SG

I think that only lasted for a short time after it was bumped up in early March. I don’t see any more successful DPs in the past week or so. There are a couple denials last week https://www.doctorofcredit.com/chase-increases-referral-bonus-on-ink-business-cards-marriott-cards-to-40000-points-200k-annual-limit/#comment-1592011

wilsonhammer
wilsonhammer (@guest_1596171)
April 12, 2023 12:44

Sent CSR a message a month ago about getting matched and was approved for the original 75k + 15K match.

https://www.doctorofcredit.com/chase-increases-referral-bonus-on-ink-business-cards-marriott-cards-to-40000-points-200k-annual-limit/#comment-1578136

Was told to message them again after I hit the min spend. I did so, but they came back with this:

“Let me share that sign-up offers are promotional. As a result, they may change or cancel. Multiple sign-up offers may be marketed for the same product in overlapping timeframes, via different communication channels.
….
Furthermore, we apologize to advise, the requested sign-up offer is not available for matching. We understand this is not the response you were hoping for. We hope you will understand all inquiries of this kind are handled uniformly, to ensure the equal treatment of our customer base.”

Looks like this is dead if you didn’t rip through your min spend and get a nicer rep at the beginning of all this.

Charlotte
Charlotte (@guest_1596183)
April 12, 2023 12:58

Follow up again and ask them to honor the previous secure message. It seems they didn’t even bother to read their own response. Your current reply is typical for new matching inquiries. Good luck!

wilsonhammer
wilsonhammer (@guest_1596190)
April 12, 2023 13:04

I did. Hopefully they will play ball, but it’s not like I really have any leverage here. Fingers crossed!

wilsonhammer
wilsonhammer (@guest_1596270)
April 12, 2023 14:48

Got a response from a different rep who confirmed the extra 15k. All good! Pays to be persistent (and polite). Thanks!

David
David (@guest_1593179)
April 7, 2023 12:37

Is the 200k/year referral bonus limit per person or per card. For example, if I have both the Ink Cash and Unlimited, could I get 400k/year (200k for the Cash and 200k for the Unlimited)?

Charlotte
Charlotte (@guest_1596198)
April 12, 2023 13:19

Per card so 400K UR/year in your circumstance.

Charlotte
Charlotte (@guest_1596199)
April 12, 2023 13:19

Per card so 400K UR/year in your circumstance.

Jon
Jon (@guest_1592658)
April 6, 2023 14:43

Are you immediately eligible to refer after signing up for your first Ink?

Charlotte
Charlotte (@guest_1596203)
April 12, 2023 13:21

Yep!

SG
SG (@guest_1592011)
April 5, 2023 13:23

Anyone else have luck getting matched the 40k referral instead of just the 20k? Both P1 and P2 tried so far and not having much luck

Payton
Payton (@guest_1592038)
April 5, 2023 13:54
  SG

tried twice, no luck

Arley
Arley (@guest_1590575)
April 3, 2023 08:03

15k posted for the 90k match after applying for 75k via 40k referral.

joe
joe (@guest_1591088)
April 3, 2023 22:43

Was it automatic or did you have to message back?

Arley
Arley (@guest_1591106)
April 3, 2023 23:04

Messaged back yesterday and they posted the points today. The original 75k are pending.

Rediff
Rediff (@guest_1592062)
April 5, 2023 14:41

Same here .. when we asked via Securemessage rep told to reply to message after meeting spend.. we replied this morning and rep added 15K

Jon
Jon (@guest_1592656)
April 6, 2023 14:41

Did the referral also post? There was one report that the referral bonus never posted after they matched the offer to 90k. Arley

Arley
Arley (@guest_1592659)
April 6, 2023 14:43

Yes. P2’s 40k referral posted along with 75k + 15k for P1.

Rediff
Rediff (@guest_1592721)
April 6, 2023 16:24

Yes, started showing pending about 2 weeks after P2 cc approval.. will post end of my statement cycle.

JP
JP (@guest_1583173)
March 23, 2023 10:52

Denied for referral match. Not a big deal.

same
same (@guest_1585463)
March 27, 2023 00:18
  JP

same thing for me, rejected via secure msg

fun
fun (@guest_1591705)
April 4, 2023 22:55

also denied when trying to match to the current 40K referrer bonus from the previous 20K

Jose
Jose (@guest_1582393)
March 22, 2023 09:11

I just wonder if anyone here experience the same,
I created an invite link, then also wanted to apply my self,
in a nutshell i invited my self and used my own link, and of course, card got approved,
any idea if chase will go after this?
if yes any suggestions?
anyone made the same mistake by chance?

joe
joe (@guest_1584680)
March 25, 2023 10:59

don’t do that.